100 Lemen St, Waterloo, IL 62298 Property Records

Monroe County property record for 100 Lemen St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 768 sqft · built 1957
Lot Size	0.12 acres (5,184 sqft)
Owner	Individual Name on Record
Last Sale	$198,000 (May 2026)
Tax Bill	$3,189 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-181-016-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-181-016-000`
Alternative APN	`07251010101100 00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Lot Area	5,184 sqft (0.12 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	384 sqft
Driveway	Concrete Driveway
Driveway Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	100 LEMEN ST
City	WATERLOO
State	IL
Zip	62298-1345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	LOT 44U
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Lot Number	44U
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3047
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	432 JANICE DR, WATERLOO, IL 62298-1804
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Nov 18, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Dec 9, 2024 · Amount on Record
Deed Document Number	2026442643
Record Updated	Oct 29, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 20, 2026
Property Address	100 LEMEN ST, WATERLOO, IL 62298-1345
Document Number	0000442643
Instrument Date	May 18, 2026
Instrument	2026442643
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,997.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 JANICE DR, WATERLOO, IL 62298-1804

Mortgage

Document Number	0000442644,
Date	May 20, 2026
Instrument	2026442644

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 18, 2022
Property Address	100 LEMEN ST, WATERLOO, IL 62298-1345
Document Number	0000427026
Map Reference	MB C PG 283
Instrument Date	Nov 15, 2022
Instrument	427026
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 LEMEN ST, 100, WATERLOO, IL 62298-1345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 LEMEN ST, WATERLOO, IL 62298-1345

Mortgage

Document Number	0000427027
Date	Nov 18, 2022
Instrument	427027

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,189.00 (+7.7%) Homeowner's exemption	$58,020 (+3.56%) Land $15,670 Building $42,350	$174,060 (+3.56%) Land $47,010 Building $127,050
2024	$2,961.00	$56,026 (+32.61%) Land $15,493 Building $40,533	$168,078 (+32.61%) Land $46,479 Building $121,599
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$42,250 Land $14,720 Building $27,530	$126,750 Land $44,160 Building $82,590

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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